Best Montana Medicare Advantage Plans

In Montana, MoneyGeek found Medicare Advantage Plans that are widely accessible and have high ratings from the Centers for Medicare & Medicaid Services (CMS) five-star rating system. MoneyGeek analyzed factors such as plan type, whether or not you require drug coverage and how much you want to spend out of pocket in order to find the best plan for you.

Keep in mind that these are general recommendations. The only way to find the plan that best meets your requirements is to shop around. Also, be sure to confirm that the hospitals and providers you prefer are in the network of the plan you want to purchase.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Montana.

The ideal Medicare Advantage plan for you depends on your specific needs. For someone in Montana looking for a PPO plan with drug coverage, six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS), MoneyGeek found that the Blue Cross Medicare Advantage Choice Plus (PPO) provided by Blue Cross and Blue Shield of Montana could be the best plan.

Preferred Provider Organization (PPO) plans have various advantages, including more flexibility, no referral requirements to see a specialist plus a larger network.

Montana is one of the four states in the country that do not have enough HMO plans. The best HMO plan for you will depend on your specific needs. For a resident in Montana who wants an HMO plan with drug coverage, six core benefits and a high star rating from the CMS, MoneyGeek found that Humana Gold Plus H6622-007, offered by Humana, is the top plan.

HMO plans are usually less expensive than other plan types, but you must stay within your provider's network to have services covered unless it’s an emergency. These plans are a good option for lower monthly payments and if in-network providers are easily available to you. Keep in mind that you will need a referral to see a specialist.

If you don't need Part D prescription drug coverage, there are more Medicare Advantage Plans available to you. For a Montana buyer looking for a Medicare Advantage Plan with or without drug coverage, six core benefits and a high star rating from CMS (CMS), MoneyGeek found that the Humana Honor (PPO) plan offered by Humana is the top option in Montana.

While many Medicare Advantage plans have low or no premiums, out-of-pocket expenses might add up quickly. A Montana resident looking for a Medicare Advantage Plan with no or a low in-network max out-of-pocket (MOOP), drug coverage, six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS) could benefit from the Blue Cross Medicare Advantage Choice Plus plan offered by Blue Cross and Blue Shield of Montana. This plan ranked highest in MoneyGeek’s research for low out-of-pocket costs.

Six healthcare companies in Montana provide Medicare Advantage Plans to buyers. The following section provides information on some of the plan's components, including which ones are common and which ones are rare.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Montana were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Montana based on county availability.